78537 — Hidalgo County, Texas Market Snapshot
Housing market data for zip code 78537 in Hidalgo County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$206,700
Days to Sell
84
Homes Sold
35
Inventory
98
Sale-to-List
97.4%
New Listings
63
Price/SqFt
$150
Pending Sales
38
Conforming Loan Available
Most homebuyers in 78537 can comfortably use conventional financing. The median home price of $206,700 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 84 days on average, 78537 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 78537 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 78537 can comfortably use conventional financing. The median home price of $206,700 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 78537 are set at the county level.
2026 Loan Limits — Hidalgo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 78537
To purchase the median home at $206,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,734.
Monthly Payment
$1,734
Income Required
$74,300
Principal & Interest
$1,274/mo
Down Payment (5%)
$10,335
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 78537.
Estimated Monthly Payment
$1,429
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